Rail travel your rights
|
|
- Jean Jacobs
- 7 years ago
- Views:
Transcription
1 Rail travel your rights When you buy a train ticket you are making a contract with the train company for the provision of a rail travel service. If you buy your ticket via a third party, that party is acting as the train company's agent and the train company remains liable to you to fulfil the terms of the contract and provide you with the rail travel service that you have paid for. You have legal rights against the train company under the Supply of Goods and Services Act You also have rights and obligations that are set out in the Rail Passengers' Rights and Obligations Regulations 2010 and encompassed in the National Rail Conditions of Carriage and each train company's Passenger Charter. In this guide: The law National Rail Conditions of Carriage Passenger Charter I have a complaint - what should I do? My complaint has not been resolved - what should I do? Other useful contacts The law THE SUPPLY OF GOODS AND SERVICES ACT 1982 This law states that you are entitled to expect that a service provided by a trader is carried out: With reasonable care and skill In a reasonable time (if there is no specific time agreed) For a reasonable charge (if no fixed price was set in advance) In the case of rail travel, the train company is providing a service and if it fails to provide the service for which you have paid, it may be in breach of contract and liable to pay you damages and/or compensation. CA64 07/14 1
2 RAIL PASSENGERS' RIGHTS AND OBLIGATIONS REGULATIONS 2010 EC Regulation 1371/2007 strengthened and harmonised the rights of rail passengers across the European Community. The Rail Passengers' Rights and Obligations Regulations 2010 brought the EC Regulation into force in the UK. The Office of Rail Regulation is responsible for enforcing the regulations and Passenger Focus and London TravelWatch deal with complaints from passengers. National Rail Conditions of Carriage The rights you have under the Rail Passengers' Rights and Obligations Regulations 2010 when travelling by train on the national rail network are set out in the National Rail Conditions of Carriage ( Some of the key conditions are summarised below: TICKETS (includes electronic tickets) The train company must make tickets available to buy from stations, online and by phone as appropriate. You can buy a ticket during or at the end of a journey if there are no facilities at the station. You must have a valid ticket to travel otherwise you may be liable to pay a penalty fare. Tickets may specify: that they are only valid to use on a certain train company's trains the time period that you can use the ticket travel restrictions the route you are entitled to take that a railcard must be produced if they were bought using a railcard that a photocard or other form of identification must be produced (season tickets, electronic tickets, etc.) YOUR RIGHT TO A REFUND If you have not used your ticket to make all or part of your journey because the train was cancelled, delayed, your reservation was not honoured or you decided not to travel, you can take your unused ticket to any train company's ticket office and receive an immediate full refund. If you return the unused ticket to the train company within 28 days of its expiry, you are entitled to a full refund within 1 month of your claim. 2
3 Note that in some circumstances an administration charge of not more than 10 is payable to process a refund. If the cost of the charge is more than the refund due, then the refund will not be paid. Your right to a refund can be restricted if you bought reduced or discounted tickets, but you must be given clear information on this restriction at the time you buy the ticket. You can cancel a payment to buy a ticket that was made on your credit or debit card if it was a fraudulent payment. If you do not use or decide to stop using a season ticket and there is between 3 days and 7 days validity remaining, depending on the type of season ticket, you can claim a refund. The method of calculating the refund is set out in the conditions of carriage. YOUR RIGHT TO COMPENSATION FOR DELAYS When delays, cancellations or poor service occur that are within the control of the train company or rail service company, you are entitled to compensation. This is set out in the train company's Passenger Charter. Each train company determines the level of compensation it pays, which is in the form of travel vouchers, but the minimum amount for a delay of more than 60 minutes is set out below: Type of Ticket Single ticket Return ticket - delay on outward or return trip Return ticket - delay on outward and return trip 7 day season ticket - for each day a delay occurs Season ticket of a month or longer Amount in Vouchers 20% of the price paid 10% of the price paid 20% of the price paid 20% of the price paid/7 Check the discount/compensation arrangements in the train company's Passenger Charter Rail travel vouchers can be exchanged for, or used in part payment, for tickets. Under this condition, the amount of compensation represents the total liability of the train company for delays. They do not accept liability for loss (including consequential loss) for the delay or cancellation of a train but they may, in exceptional circumstances, consider additional claims. If you wish to make a claim, you should send your ticket, along with full 3
4 details of your journey, to the train company within 28 days of the date of the journey. The conditions of carriage set out the circumstances that are not considered within the control of the train or rail service company, such as acts of vandalism or terrorism, suicides, line closures at the request of the police and severe weather. These are known as 'force majeure' events. In such circumstances compensation may not be payable. However a Court of Justice of the European Union case has ruled that rail passengers are entitled to a partial refund of the price of their train ticket, even when the delay is attributed to a force majeure event. Contact Citizens Advice consumer service or Passenger Focus for advice if you have a complaint of this type. DISABLED AND REDUCED MOBILITY PASSENGERS If you give at least 24 hours notice, the minimum requirement of a train company is that is provides free assistance to you, such as helping you get on and off the train where a station is staffed and making reasonable efforts to assist at stations that are not staffed. A train company should ensure you can complete your journey, by arranging alternative transport for instance, if a train or station is not accessible to you. You should be provided with information on request about the accessibility of rail services and facilities on trains. Train Companies Passenger Charter All train companies must have a passenger charter that sets out what their commitments are to their passengers. Train companies may give you additional rights to those you are entitled to expect under the National Rail Conditions of Carriage. You can find a list of the train companies on the National Rail Enquiries website Most train companies operate a 'delay repay' scheme and details can be found in their Passenger Charter. Some companies will pay compensation for delays over 30 minutes at a level that is higher than the minimum required under the National Rail Conditions of Carriage regardless of the cause of the delay. Some companies will only pay compensation if the delay was within their control. However you should note the ruling in the EU court case mentioned above. Check with the relevant train company to find out if the compensation is financial or in vouchers. 4
5 Some train companies operate a 'seat reservation compensation' scheme. If you reserve a seat and it is not available and an alternative seat cannot be found on the train then you may be able to claim compensation in accordance with the relevant train company's Passenger Charter. Where possible, ensure your ticket and seat reservation slip are endorsed by the train guard as proof. What to do if you have a complaint read the National Rail Conditions of Carriage and the train company's Passenger Charter the Passenger Charter should have details of the train company's complaints procedure complain to the train company and give them the opportunity to respond if you complain by phone follow up with an or letter so you have evidence of your complaint give a full explanation of your complaint, including the details of the journey and how much you paid (send a copy of your ticket), what the nature of your complaint is, what you would like the train company to do and by when keep copies of s and letters that you send and also replies that you receive. Please see our 'Writing an Effective Letter of Complaint' leaflet for more information. My complaint has not been resolved - what can I do? If you have reached deadlock with the train company and your complaint has not been resolved you can contact: Citizens Advice Consumer Service on Passenger Focus Freepost RTEH-XAGE-BYKZ PO Box 5594 Southend on Sea SS1 9PZ Tel: advice@passengerfocus.org.uk Web: London Travelwatch Dexter House 2 Royal Mint Court 5
6 London EC3N 4QN Tel: Web: Other Useful Contacts Office of Rail Regulation One Kemble Street London WC2B 4AN Tel: National Rail Enquiries Customer Relations Freepost RSEH-TBGE-HBJJ Plymouth PL4 6AB Tel: Web: Relevant Legislation Supply of Goods and Services Act 1982 ( Rail Passengers' Rights and Obligations Regulations 2010 ( Where can I get further help? This leaflet is not an authoritative interpretation of the law and is intended only for guidance. Any legislation referred to, while still current, may have been amended from the form in which it was originally enacted. For further information, please contact Citizens Advice. The Citizens Advice consumer service provides free, confidential and impartial advice on consumer issues. Visit or call the Citizens Advice consumer helpline on If you are a business, contact us by any of the following methods: 6
7 Derbyshire Trading Standards Service Chatsworth Hall Chesterfield Road Matlock Derbyshire DE4 3FW Telephone: Call Derbyshire Fax: Website: We want everyone to be able to understand us. On request, we will arrange: Language interpreters, including for sign language Translation of written materials into other languages Materials in large print, on tape or in Braille. Trading Standards Institute To ensure that you are looking at the most up-to-date version of this leaflet, please visit our website at or telephone us on
Holidays and travellers with disabilities
Holidays and travellers with disabilities The Equality Act 2010 protects those people with defined 'protected characteristics' from unlawful discrimination. One of these protected characteristics is disability.
More informationYour rights when buying on credit
Your rights when buying on credit Anyone who offers you credit must be licensed by the Office of Fair Trading (OFT). Most consumer credit agreements are covered by the Consumer Credit Act 1974 and the
More informationInsolvency. There are two categories of insolvent businesses that you may have to deal with:
Insolvency The first indication you may have that a business is no longer trading is when you find the premises closed during what would be normal trading hours, the telephone has been disconnected, your
More informationInternet Auctions The Law for Business Sellers
Internet Auctions The Law for Business Sellers When you sell goods on an internet auction site, the law requires you to comply with certain rules. This page provides a summary of some the most important
More informationBuying a motorcycle. In the guide
Buying a motorcycle When you buy a new or second hand motorcycle from a trader, you enter into a legally binding contract. You are entitled to expect that the motorcycle is of satisfactory quality, fit
More informationMini-motos, quad bikes and offroad vehicles: a guide for consumers
Mini-motos, quad bikes and offroad vehicles: a guide for consumers Vehicles such as mini motorcycles (mini motos) and quad bikes must satisfy the requirements of the law if they are ridden in a public
More informationCredit Brokerage. To act as a credit broker, you must have a consumer credit licence for your business.
Credit Brokerage Even if you do not offer credit yourself, you may want to introduce your customers to a third party to enable your customers to access funds to purchase your goods and services or hire
More informationBuying by internet, phone and mail order distance contracts explained
Buying by internet, phone and mail order distance contracts explained Traders must comply with the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 when they sell
More informationProfessional architectural services and your building project
Professional architectural services and your building project If you are thinking of appointing someone to design your building project and provide other services connected with the project, it is important
More informationComplaints handling procedure. Govia Thameslink Railway September 2015
Complaints handling procedure Govia Thameslink Railway September 2015 Complaints Handling Procedure October 2015 Contents 1. Introduction...2 2. How to make a complaint...2 3. How we deal with your complaint...3
More informationNational Rail Conditions of Carriage. From 20th May 2012
i National Rail Conditions of Carriage From 20th May 2012 NATIONAL RAIL CONDITIONS OF CARRIAGE CONTENTS page Introduction 3 PART I CONDITIONS OF CARRIAGE FOR PASSENGERS A Tickets 5 B Validity of tickets
More informationNational Rail Guide to Tickets
National Rail Guide to Tickets We want you to buy the best value ticket for your journey. This guide is designed to help you make your choice with confidence. It also provides a summary of our commitments
More information2. PLANNING YOUR JOURNEY
PASSENGER CHARTER www.grandcentralrail.com 1. INTRODUCTION This Charter sets out our commitments to you. It does not create any new legal relationship with you as a result of what we say we will do, nor
More informationConsumer protection from unfair trading
Consumer protection from unfair trading The Consumer Protection from Unfair Trading Regulations 2008 (known as the CPRs) cover commercial practices between traders and consumers and introduce a general
More informationPenalty Fares information
Penalty Fares information Do you have any questions? For further information about Penalty Fares on Greater Anglia services please contact our Customer Service team: Remember: Buy a ticket before you travel
More informationBe flexible travel when it s less busy
We want you to buy the best value t This guide is designed to help you make your rail ticket choice with confidence. Finding the best value train ticket is easier than ever, with online tools and a great
More informationIndependent Transport Associates Limited. Customer Complaints-Handling Procedure
Independent Transport Associates Limited Customer Complaints-Handling Procedure Introduction & Background Approved by the Department for Transport, ITAL offers independent revenue collection and support
More informationPenalty Fares Rules. 55 VICTORIA STREET, LONDON SW1H 0EU TEL 020 7654 6000 www.sra.gov.uk. May 2002
Penalty Fares Rules 55 VICTORIA STREET, LONDON SW1H 0EU TEL 020 7654 6000 www.sra.gov.uk May 2002 1 Contents Page 1 The rules 2 2 Definitions 2 3 Setting up a penalty fares scheme 4 4 Displaying warning
More informationCUSTOMER CONTACTS HANDLING P R OCEDUR E
INTR ODUCTION CUSTOMER SER V ICE CENTR E CUSTOMER CONTACTS HANDLING P R OCEDUR E South West Trains is committed to improving the service it provides to its customers. The aim is to provide a service, which
More informationA guide to contracts concluded in consumers homes or workplaces
A guide to contracts concluded in consumers homes or workplaces There is legislation covering most contracts where goods or services (costing more than 35) are supplied to a consumer where the contract
More informationWriting an effective letter of complaint
Writing an effective letter of complaint If you have a problem with faulty goods or a poor service, which you have not been able to resolve by complaining in person or by telephone, you should put your
More informationPassenger s Charter. Valid from July 2014
Passenger s Charter Valid from July 2014 Abellio Greater Anglia Contact Centre Norwich Railway Station Station Approach Norwich NR1 1EF Telephone 0345 600 7245 Email contactcentre@abelliogreateranglia.co.uk
More informationCONDITIONS OF CARRIAGE
CONDITIONS OF CARRIAGE Introduction When you buy a ticket to travel on the railway network, you enter into an agreement with the Railway Operators. That agreement gives you the right to make the journey
More informationMembership terms and conditions for BRA Vänner
Membership terms and conditions for BRA Vänner These membership conditions apply to BRA Sverige AB s, business reg. no. 556966-5994, ( BRA ) membership programme BRA Vänner. Members of BRA Vänner can earn
More informationYour summary of cover Direct Choice Car Insurance
Your summary of cover Direct Choice Car Insurance Contents Your introduction to Direct Choice Car Insurance 3 A quick guide to the cover we include 4-5 A few key things we don t cover 6 Additional cover
More information1.3 The Terms and Conditions for the Booking System apply to all booking related pages and functions.
AGREEMENT BETWEEN CUSTOMER AND HONG KONG AIRLINES LIMITED ( HONG KONG AIRLINES or HX ) 1) FORMATION OF AGREEMENT 1.1 When you use any booking systems of Hong Kong Airlines, including but not limited to
More informationEnglish National Concessionary Travel Scheme (Free) Bus Pass General Frequently Asked Questions
English National Concessionary Travel Scheme (Free) Bus Pass General Frequently Asked Questions 1. Who is eligible for a pass? From April 2010, the age of eligibility for concessionary bus travel was brought
More informationcard account Terms and Conditions Handled with care Your account credit card
card account Your account Handled with care credit card Contents These tell you about the services that are available with your Post Office card account. Please read this booklet carefully as a Post Office
More informationOur agreement with you
Our agreement with you Virgin Credit Card Terms CREDIT CARD AGREEMENT REGULATED BY THE CONSUMER CREDIT ACT 1974 You can ask us for a copy of this agreement at any time. 1. Who provides the credit card?
More informationCovéa Insurance Commercial Vehicle
Covéa Insurance Commercial Vehicle This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your policy booklet. A copy of the
More informationIndependent Financial Advice
Independent Financial Advice Taking professional financial advice may be helpful in enabling you to identify the most suitable and cost effective way to pay for your care Independent financial advice Planning
More informationDRAFT Version 1.2 Revision Date: 16/7/10
LOCAL AUTHORITY SEARCH REPORT INSURANCE POLICY 1. Policy Issuer: Stanley Davis Group Limited trading as York Place Policy Number: SDGLA0001 Definitions In this policy unless the context otherwise requires:
More informationRBS Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal &
RBS Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal & Private RBS Current Account This leaflet is also available
More informationNext Directory RPC Policy Document
Introduction to the insurance This is your policy document for your product valued up to but not exceeding 150 and should be read in conjunction with your certificate of insurance. In return for the payment
More informationCIVIL AVIATION REQUIREMENTS SECTION 3 AIR TRANSPORT SERIES M PART IV ISSUE I, DATED 6 TH AUGUST, 2010 EFFECTIVE: 15.8.2010 No.
GOVERNMENT OF INDIA OFFICE OF THE DIRECTOR GENERAL OF CIVIL AVIATION TECHNICAL CENTRE, OPP SAFDURJUNG AIRPORT, NEW DELHI CIVIL AVIATION REQUIREMENTS SECTION 3 AIR TRANSPORT SERIES M PART IV ISSUE I, DATED
More informationPersonal banking terms and conditions
Personal banking terms and conditions 1 Please read these Terms and Conditions carefully and retain them for future reference. Contents Section Page Section A General Account Terms and Conditions 4 Section
More informationOnline Motor Excess Protect Insurance. Policy Wording
Online Motor Excess Protect Insurance Policy Wording Motor Excess Protect Insurance Policy Wording Introduction Thank you for choosing Motor Excess Protect Insurance. The information in this policy wording
More informationMotor Excess Protect Insurance Policy Wording
Motor Excess Protect Insurance Policy Wording www.cvd-insurance.co.uk Motor Excess Protect Insurance Policy Wording Introduction Thank You for choosing Motor Excess Protect Insurance. The information in
More informationSelling at a distance (via the internet, telephone, post, etc.) from 13 June 2014
Selling at a distance (via the internet, telephone, post, etc.) from 13 June 2014 The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 replace the current Consumer
More informationAddendum to the Citi International Personal Bank General Terms and Conditions
Addendum to the Citi International Personal Bank General Terms and Conditions Effective 31 December 2012 The contents of this document apply only to clients of Citi International Personal Bank who hold
More informationConditions of Use. 1. Interrail Pass definition
Conditions of Use 1. Interrail Pass definition An Interrail Pass consists of a ticket and a Pass Cover. Neither the ticket nor the Pass Cover is valid on its own. Those who travel using one without the
More informationContactless payment cards - conditions of use
Contactless payment cards - conditions of use 6 September 2015 until further notice 1. Introduction 1.1 These Conditions of Use apply to you when you are using a contactless payment card to pay as you
More informationKLIA Ekspres and KLIA Transit Conditions of Carriage
KLIA Ekspres and KLIA Transit Conditions of Carriage 1 Introduction 1.1 Nature of these Conditions KLIA Ekspres and KLIA Transit are operated under the terms of our Licence to Operate a Railway, issued
More informationPlease read this document carefully as the terms below apply to your Membership
Please read this document carefully as the terms below apply to your Membership In particular, please note the following: Where purchasing Membership on behalf of another person, you are deemed to have
More informationLeeds - Bradford. Train Times. 13 December 2015 to 14 May 2016. Services to Bradford Interchange and Bradford Forster Square
13 December 2015 to 14 May 2016 Lees - Brafor Train Times Services to Brafor Interchange an Brafor Forster Square Apperley Brige open from 13th December Lees - Brafor Composite Timetable West Yorkshire
More informationAsda Value Car Insurance. Excess Protection. money
Asda Value Car Insurance Excess Protection money Contents page number Motor Excess Protection Policy Wording... 3 Introduction... 3 Regulatory Information... 3 Your Insurer... 3 What Makes up this Policy?...4
More informationGo Girl Private Car and Small Commercial Vehicle Policy Summary
Private Car and Small Commercial Vehicle Policy Summary is a trading name of Sabre Insurance Company Limited. Any reference to in this document will mean Sabre Insurance Company Limited as the ultimate
More informationCape Verde Jetaway Booking Terms and Conditions
Cape Verde Jetaway Booking Terms and Conditions Your contract Your holiday arrangements are booked through Cape Verde Jetaway Limited. Our registered office is at 32 Vereker Road, London, W14 9JS and our
More informationKey Features of the Prudential Investment Plan (including additional investments)
Key Features of the Prudential Investment Plan (including additional investments) Applicable to plans originally taken out from 11 November 2013 Important information you need to read Braille, large print
More informationBUSINESS PROTECTION ASSURANCE KEY FEATURES
seeing retirement differently seeing retirement differently BUSINESS PROTECTION ASSURANCE CELEBRATING CELEBRATING YEARS sin ce 1 9 9 5 YEARS sin ce 1 9 9 5 The Financial Conduct Authority is a financial
More informationLEGAL INDEMNITY POLICY OF TITLE INSURANCE FOR COMMERCIAL PROPERTY COVERAGE FOR KNOWN RISK
LEGAL INDEMNITY POLICY OF TITLE INSURANCE FOR COMMERCIAL PROPERTY COVERAGE FOR KNOWN RISK ENGLAND & WALES (FORM KR E&W 03/09) SCHEDULE Online File Number 20499062 Policy Number KR (E&W) - 15317800316 Policy
More informationThe Personal Range Key Features of the Individual Personal Pension
The Personal Range Key Features of the Individual Personal Pension Reference MPEN11/A 04.16 The Financial Conduct Authority is a financial services regulator. It requires us, Friends Life and Pensions
More informationAsda Van Insurance. Excess Protection. money
Asda Van Insurance Excess Protection money Contents page number Excess protection... 3 Who is your insurer?... 3 Certification of Cover... 3 Important... 3 Who administers your policy?... 3 Language...
More informationAIRCRAFT CHARTER CONTRACT
AIRCRAFT CHARTER CONTRACT SpireJet Limited 173 Woodstock Road Oxford OX2 7NB Tel +44 (0)1865 450054 Tel +44 (0)7802 484548 info@spirejet.com Thank you for selecting SpireJet Limited (the Carrier) for your
More informationCar Insurance. Summary of Cover
Car Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich Insurance
More informationYour Van Policy Summary
Your Van Policy Summary Your Summary of Cover Dear customer This booklet is your policy summary, so please keep the booklet safe for when you need it. There are also some useful tips on what to do in an
More informationInformation for Pensioners. A guide to the payment of your benefits from the Local Government Pension Scheme
Information for Pensioners A guide to the payment of your benefits from the Local Government Pension Scheme Introduction This guide explains how your pension will be paid and how certain changes in your
More informationMotor Excess Protection Insurance
Motor Excess Protection Insurance For Private Cars, Motorcycles and Commercial Vehicles. Questor Insurance Services Limited First Floor Suite West A Orchard House, Station Road Rainham, Kent ME8 7RS United
More informationProfessional indemnity section only Summary of cover
Business Insurance Professional indemnity section only Summary of cover About this document This document is a summary of the insurance and does not contain the full terms and conditions of your insurance.
More informationMr and Mrs Sample and future owners or occupants of the Property and Your/their mortgage lender(s).
Contingent Buildings Insurance Indemnity Policy This Policy is the contract between You and the Insurer and it includes the Schedule and any endorsement, extension, plan or appendix issued with it. We
More informationPersonal Injury Cover. Terms and Conditions
Personal Injury Cover Terms and Conditions Demands and Needs Statement This Policy meets the demands and needs of those who wish to ensure that in the event of an Accident an Insured Person will be covered
More informationPrudential plc. Dividend Reinvestment Plan
Prudential plc Dividend Reinvestment Plan The Dividend Reinvestment Plan ( the Plan ) is a convenient and easy way to build up your shareholding by using your cash dividends to buy more shares in the Company.
More informationWESTMINSTER ABBEY ASSOCIATION TERMS AND CONDITIONS
WESTMINSTER ABBEY ASSOCIATION TERMS AND CONDITIONS These are the terms and conditions applicable to Westminster Abbey Association. In these terms we or Westminster Abbey refers to The Dean and Chapter
More informationTicket and Pass Refund Policy
Ticket and Pass Refund Policy Issued October 2011 Contents Page 1.0 General Conditions 3 2.0 Standard Bus or Rail Tickets 4 2.1 Single or Day Return Tickets (bus or rail within Northern Ireland) 2.2 Day
More informationAdviceguide Advice that makes a difference
Buying at auction What the law says In most circumstances when you buy goods, the law would require that they: match their description. This means they must be as described by the seller. This includes
More informationSeason Ticket User Guide
Season Ticket User Guide Your company has selected thetrainline.com business to assist you in obtaining your season ticket as part of your benefits program. The service we offer is quick and easy. Once
More informationRetirement Key Features of the Lifetime Annuity
Retirement Key Features of the Lifetime Annuity IMPORTANT INFORMATION The Financial Conduct Authority is a financial services regulator. It requires us, AXA Wealth Limited, to give you this important information
More informationPassenger's Rights and the Law in Poland
PASSENGER S RIGHTS IN BUS OR RAIL TRAVELLING When we are going to travel by train or by bus, we must take account of our rights as passengers, according to the Law. However, we should always consult the
More informationKey Features of the Elevate General Investment Account and the Elevate Stocks & Shares Individual Savings Account
Elevate Key Features of the Elevate General Investment Account and the Elevate Stocks & Shares Individual Savings Account Important Information The Financial Conduct Authority (FCA) is a financial services
More informationCustomer Complaints Handling Procedure
Customer Complaints Handling Procedure Valid from 1 April 2015 1. Introduction... 3 2. Our Customer Complaints Handling Procedure... 3 3. The ScotRail Promise... 3 4. Our Customer Relations Team... 4 5.
More informationZurich Simple Life Insurance
Zurich Simple Life Insurance Terms and conditions The simple way to help protect your loved ones financially Contents 1. Who can have the plan? 3 2. When we will pay the cash sum 3 3. When we won t pay
More informationinsure2drive Private Car and Small Commercial Vehicle Policy Summary
insure2drive Private Car and Small Commercial Vehicle Policy Summary insure2drive is a trading name of Sabre Insurance Company Limited. Any reference to insure2drive in this document will mean Sabre Insurance
More informationFamily Select Legal Protection
Family Select Legal Protection It may be an employment matter, a dispute over goods that you purchase or sell, or you and your family may find yourself involved in legal areas which are governed by a minefield
More informationConsumer Rights Act 2015
Consumer Rights Act 2015 CONSUMER RIGHTS ACT 2015 CHAPTER 15 Explanatory Notes have been produced to assist in the understanding of this Act and are available separately Published by TSO (The Stationery
More informationPassenger s Charter. December 2013
Passenger s Charter December 2013 First TransPennine Express Our commitment to you Welcome to this Passenger s Charter which aims to provide you with details of our commitment to you as you travel with
More informationPolicy Summary. Keep this wording safe.
Policy Summary Keep this wording safe. Covéa Insurance Private Car This is a Policy Summary only and does not contain the full terms and conditions of your insurance contract; these can be found in your
More informationCENTRAL. Hire Car Cover Comprehensive
ST CENTRAL Hire Car Cover Comprehensive Page 1 of 11 1 st Central Hire Car Policy - Comprehensive Demands and Needs Statement This Policy meets the demands and needs of a driver whose vehicle has been
More informationAbout Union Income Benefit Holdings Ltd. Contents. UIB Treating Customers Fairly
Life Cover Contents Title Page About Union Income Benefit Holdings Limited 1 Policy Summary 2 Welcome 3 Definitions 3 Life Cover Policy Wording The cover we provide 4 Return of Premiums 4 What we do not
More informationApplying for a PO Box Application Form Application for a PO Box Please ensure that you fill in all the relevant information and include proof of address documentation that is less than 3 months old. Please
More informationCONSUMER PROTECTION LAW OF MONGOLIA. 24 June, 1991 Ulaanbaatar. Chapter One. General Provisions
CONSUMER PROTECTION LAW OF MONGOLIA 24 June, 1991 Ulaanbaatar Chapter One Article 1. Purpose of the Law General Provisions 1. The purpose of this law is to regulate relations connected with protection
More informationYour Current Account Terms
Your Current Account Terms NatWest Personal & Private Current Account Terms Personal & Private Current Account Fees & Interest Rates Helping you get the most from your Personal & Private NatWest Current
More informationTrain times 15 May 10 December 2016
1 Parking available Staff in attendance Bicycle store facility Bike & Go Metro Interchange stations Disabled assistance available Airport link Train times 15 May 10 December 2016 Alnmouth and Morpeth to
More informationUK Government call for views
DRAFT DIRECTIVES ON THE ONLINE SALE OF DIGITAL CONTENT AND TANGIBLE GOODS UK Government call for views JANUARY 2016 Contents Draft Directives on the online sale of digital content and tangible goods...
More informationHSBC Life Cover (Level and Decreasing) Everything you need to know for: Personal Protection and Business Protection
HSBC Life Cover (Level and Decreasing) Everything you need to know for: Personal Protection and Business Protection 2 Contents Section Page Policy Summary 3 Type of Insurance and Cover 3 Significant Features
More informationMaritime Passenger Rights Requirements for Port Terminal Operators and Port Authorities
Maritime Passenger Rights Requirements for Port Terminal Operators and Port Authorities Information on the provisions of the EU Regulation concerning the rights of passengers when travelling by sea and
More informationCONDITIONS Over 50s Life Cover
TERMS AND CONDITIONS Over 50s Life Cover 1 TERMS AND CONDITIONS: OVER 50S LIFE COVER PROVIDED BY THE ROYAL LONDON MUTUAL INSURANCE SOCIETY LIMITED ( ROYAL LONDON ) This booklet contains the Terms and Conditions
More informationGuest Charter. sleeper.scot
Guest Charter sleeper.scot 2 CALEDONIAN SLEEPER GUEST EXPERIENCE CHARTER 3 Contents 1. Who we are and what we do 3 2. The on board experience 6 3. Buying and amending your ticket 8 4. Conditions of carriage
More informationCar Solutions Insurance. Summary of Cover
Car Solutions Insurance Summary of Cover Summary of cover Important you should read this This leaflet provides a summary of the key features, benefits and limitations of the cover provided by the Zurich
More informationYour guide to fares and tickets within Zones 1-6
Transport for London Your guide to fares and tickets within Zones 1-6 2 January 2009 until further notice Information correct at time of going to print. November 2008. F&T (Zones 1-6)/Jan/2009 Bus, Tube,
More informationConsumer rights to return faulty goods
Consumer rights to return faulty goods Standard Note: SN/HA/2239 Last updated: 2 April 2012 Author: Lorraine Conway Section Home Affairs Section The Sale of Goods Act 1979, as amended by the Sale and Supply
More informationAbout the Institute and Faculty of Actuaries eshop
About the Institute and Faculty of Actuaries eshop We sell publications issued by the Institute and Faculty of Actuaries and titles by external publishers. A small selection of other items such as ties
More informationBusiness Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover
Business Insurance Professional indemnity section for RIBA &/or RIAS architects Summary of cover About this document This document is a summary of the insurance provided and does not contain the full terms
More informationTravel Money Terms and Conditions ver. 1.7 (with effect from September 2, 2013)
Travel Money Terms and Conditions ver. 1.7 (with effect from September 2, 2013) This Product and related services are made available to you, the customer by ICICI Bank UK PLC ( ICICI Bank ) as per the
More informationBusiness Banking. Terms Business Customers. Ahead for business
Business Banking Terms Business Customers Ahead for business Contents Page Use of your information and regulatory details 3 Account Terms 5 Section A General terms which apply to all Accounts 6 Section
More informationHow To Get A Car Insurance From Tesco Bank Value Car Insurance
Policy Summary Inside you ll find a summary of your Value car insurance tescobank.com Tesco Bank Value Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Value Car Insurance.
More informationYour Online Account. The important information you need to know about opening and maintaining an account online.
Your Online Account The important information you need to know about opening and maintaining an account online. January 2016 Online Accounts The important information you need to know about opening and
More informationPolicy Summary. Inside you ll find a summary of: Tesco Bank Car Insurance. Car Insurance
Policy Summary Inside you ll find a summary of: Tesco Bank Car Insurance Car Insurance Tesco Bank Car Insurance Policy Summary This is a summary of cover available under Tesco Bank Car Insurance. It does
More informationTax Advantaged Life Assurance Plan
Key features of the Tax Advantaged Life Assurance Plan NP120003A01 (PW119130A01) Tax Advantaged Life Assurance Plan KFD Page 1 of 10 This key features document gives you the main points about the plan.
More informationRMT strike action : FAQs Correct as at 17 June 2016
RMT strike action : FAQs Correct as at 17 June 2016 General / Overview What s your advice to customers? There are five things you can do before or on strike days: 1. Check for updates on our dedicated
More informationMotoring Legal Solutions
Motoring Legal Solutions Page 1 Why you need Motoring Legal Solutions Being involved in any kind of car accident can be very distressing. If you are unfortunate enough to be involved in an accident that
More information